Once again, the last financial year has been kind to superannuation investors! Many super funds have delivered double-digit investment returns. However, not all super funds are created equal and some of the risks that I have written about in past years have come home to roost in the past 12 months. Investment returns for the …
I frequently join James Kirby on his bi-weekly podcast hosted by The Australian newspaper. Recently, he delved into the interesting and important topic of “how much money you should have in superannuation.” I couldn’t resist the temptation to share my thoughts and insights. How long will retirement last? I read this article by Ashley Owen …
It’s highly probable that your super is invested across various asset classes, including bonds and shares. Nearly all investment professionals would argue that shares have the greatest probability of delivering the highest returns over the long term. This begs the question: why wouldn’t you consider investing 100% of your super into shares? How your super …
The treatment of taxation liabilities hinges on the investment structure of your superannuation. That is, pooled super funds like industry funds subtract tax before it’s paid. This is an important factor to consider because, depending on the amount of your super balance, it can have a significant effect on your retirement savings. While tax implications …
In 2007, laws changed to allow SMSFs to borrow for property investments if they met specific compliance rules. This led to a surge in super-funded property investments from 2007 to 2017, totalling around $45 billion. However, major banks withdrew SMSF borrowing products between 2017 and 2018 and super contribution rules were tightened, making this strategy …
Despite a tumultuous year in share markets, superannuation returns for the financial year ended 30 June 2023 were above average. This is mainly due to a strong finish as international share markets rose by over 12% between mid-March 2023 to end of June 2023. The best industry super fund was… The table below sets out …
The Albanese government’s first Federal Budget last month was a bit of a fizzer in that there wasn’t much in the way of changes that affected investors and superannuants. However, subsequent murmurs by politicians’ hint at proposed changes that the government may be contemplating. In particular, I wanted to address these potential super changes and …
2022 super returns: Superannuation returns for the 2021/22 financial year were mostly negative. However, we shouldn’t forget that the previous 18-month period (i.e., mid-2020 to the end of calendar year 2021) was stellar, so we must keep a longer-term perspective. And the winner is… The table below sets out investment returns for the largest 8 …
Even though its compulsory to invest money in superannuation, many people do not understand their options once they retire. This blog provides a summary. However, of course, everyone’s situation is different. Some super funds have different rules and there may be exceptions to some rules, so it’s important you receive personalised advice from an independent …
It is not unrealistic to expect your super returns to be over 20% for the financial year ended June 2021. Of course, this is a great outcome in what has been a tumultuous year. However, I would like to highlight some important observations and considerations. And the 2021 winner is… The table below sets out …
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